Predictika · Personal loan applications

An AI sales agent's personal loan application, checked before it goes out

An AI sales agent prepares a personal loan application for a customer: the amount, the term, the applicant's status and credit position, any repayment holidays and early-settlement interest, and the borrowing limit it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the terms Lloyds Bank publishes on its public personal loan pages and returns a verdict and every reason.

Scope: Lloyds Bank personal loans: borrowing limit by customer type, term, eligibility, repayment holidays and early-settlement interest. See everything this validator covers

This validator models a personal loan application against the terms Lloyds Bank publishes publicly, and any application that touches those terms, not just the scenarios shown below.

  • Amount and limit — between £1,000 and £50,000 for existing customers (a Lloyds, Halifax or Bank of Scotland account held for at least a month), and up to £35,000 for new customers, compared with the limit the application states.
  • Term — 1 to 7 years (12 to 84 months).
  • Eligibility — aged 18 or older, a UK resident, paid employment or regular income, not a full-time student, a good credit score and no County Court Judgements or bankruptcy. A credit check that is still pending goes to a person.
  • Repayment holidays and early settlement — at most 2 repayment holidays of 1 month in a rolling 12 months, not back to back, and at most 58 days' interest for early settlement.

Any personal loan application that touches these terms is in scope — not only the scenarios pictured here. Not covered: interest rates and repayment amounts (the rate offered depends on the applicant and Lloyds does not publish a rate card, so this page shows no price build-up), joint applications, other Lloyds Banking Group brands and products, and the lender's own credit decision.

The AI sales agentBuilds the loan application from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A borrowing limit that depends on the customer typeOnly with care
Existing and new customers have different maximums, so each rule has to read the customer type before comparing the amount, and the stated limit has to follow it.		The customer type, amount and stated limit arrive in one request and are checked together.
Eligibility conditions that must all holdOnly with care
Age, residency, income, student status and credit history are separate conditions; each needs its own rule and a plain reason.		Every condition is checked on every call and each failure is reported on its own.
Repayment holidays limited in number and not back to backOnly with workarounds
The limit is on a count within a rolling period plus a rule about adjacency, which needs two linked checks.		The count and the back-to-back flag are checked together with the rest.
A pending credit check that should neither pass nor failOnly with workarounds
Rules usually return pass or fail, so a third outcome that needs a person has to be built separately.		The validator returns allow, needs approval or block, and the approval is listed with its reason.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the application is saved or a step is completed, so a banker often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The loan is for £50,001; the most this type of customer can borrow is £50,000.
2The loan is for £35,001; the most this type of customer can borrow is £35,000.
3The loan is for £999; the minimum is £1,000.
4The term is 11 months; the shortest term is 12 months (1 year).
5The term is 85 months; the longest term is 84 months (7 years).
6The applicant is 17 years old; applicants must be aged 18 or older.
7The applicant is not a UK resident; applicants must be UK residents (not including the Channel Islands or the Isle of Man).
8The applicant has no paid employment or regular income.
9The applicant is a full-time student; applicants must not be full-time students.
10The applicant has a history of bad credit such as a County Court Judgement or bankruptcy.
11The applicant does not have a good credit score, which the loan requires.
12The credit check is still pending; the loan needs a good credit score, so a person must confirm the result before the quote is released.
13The existing-customer limit needs an account held for at least 1 month; this account is 0 months old.
14The quote includes 3 repayment holidays in a 12-month period; at most 2 are allowed.
15The quote has 2 repayment holidays taken back to back; they must not be consecutive.
16The quote charges 59 days of interest for early settlement; the most is 58 days.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Repayment holidays and early settlement: An application with too many holidays, taken back to back, and heavy early-settlement interest

    
The agent's request. Please prepare a personal loan application for an existing customer aged 52 whose account has been held for 60 months. The loan is £15,000 over 36 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is good, with no judgements or bankruptcy on file. The application includes 3 repayment holidays taken back to back and 70 days of interest for early settlement. The application states a borrowing limit of £50,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Too many repayment holidays. The quote includes 3 repayment holidays in a 12-month period; at most 2 are allowed.
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  • Repayment holidays back to back. The quote has 3 repayment holidays taken back to back; they must not be consecutive.
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  • Early settlement interest above the cap. The quote charges 70 days of interest for early settlement; the most is 58 days.
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2. Repayment holidays and early settlement: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a personal loan application for an existing customer aged 52 whose account has been held for 60 months. The loan is £15,000 over 36 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is good, with no judgements or bankruptcy on file. The application includes 2 repayment holidays taken back to back and 70 days of interest for early settlement. The application states a borrowing limit of £50,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Repayment holidays back to back. The quote has 2 repayment holidays taken back to back; they must not be consecutive.
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  • Early settlement interest above the cap. The quote charges 70 days of interest for early settlement; the most is 58 days.
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3. Repayment holidays and early settlement: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a personal loan application for an existing customer aged 52 whose account has been held for 60 months. The loan is £15,000 over 36 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is good, with no judgements or bankruptcy on file. The application includes 2 repayment holidays and 58 days of interest for early settlement. The application states a borrowing limit of £50,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Application summary. A loan of £15,000 over 36 months; the limit for this type of customer is £50,000.
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4. Amount and stated limit: A new customer asks for more than the new-customer limit

    
The agent's request. Please prepare a personal loan application for a new customer aged 41 whose account has been held for 3 months. The loan is £40,000 over 60 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is good, with no judgements or bankruptcy on file. The application states a borrowing limit of £50,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Amount above the limit for this customer. The loan is for £40,000; the most this type of customer can borrow is £35,000.
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  • Stated borrowing limit does not match. The quote states a borrowing limit of £50,000; the limit for this type of customer is £35,000.
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5. Amount and stated limit: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a personal loan application for a new customer aged 41 whose account has been held for 3 months. The loan is £35,000 over 60 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is good, with no judgements or bankruptcy on file. The application states a borrowing limit of £35,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Application summary. A loan of £35,000 over 60 months; the limit for this type of customer is £35,000.
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6. Credit check and stated limit: An application with a pending credit check and a stale borrowing limit

    
The agent's request. Please prepare a personal loan application for a new customer aged 29 whose account has been held for 2 months. The loan is £30,000 over 60 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is still pending, with no judgements or bankruptcy on file. The application states a borrowing limit of £50,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated borrowing limit does not match. The quote states a borrowing limit of £50,000; the limit for this type of customer is £35,000.
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  • Credit check still pending. The credit check is still pending; the loan needs a good credit score, so a person must confirm the result before the quote is released.
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7. Credit check and stated limit: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a personal loan application for a new customer aged 29 whose account has been held for 2 months. The loan is £30,000 over 60 months. The applicant is a UK resident, has regular income and is not a full-time student. The credit check is still pending, with no judgements or bankruptcy on file. The application states a borrowing limit of £35,000. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Credit check still pending. The credit check is still pending; the loan needs a good credit score, so a person must confirm the result before the quote is released.
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  • Application summary. A loan of £30,000 over 60 months; the limit for this type of customer is £35,000.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a personal loan application for a customer: the amount, the term, the applicant's status and credit position, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the terms Lloyds Bank publishes on its public personal loan pages and returns a verdict and every reason.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please prepare a personal loan application for an existing customer aged 52 whose account has been held for 60 months. The loan is £15,000 over 36 months. The rest of the request is on screen. The application states a borrowing limit of £50,000.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. The quote includes 3 repayment holidays in a 12-month period; at most 2 are allowed. The quote has 3 repayment holidays taken back to back; they must not be consecutive. The quote charges 70 days of interest for early settlement; the most is 58 days.
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  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for repayment holidays limited in number and not back to back, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the repayment holidays in 12 months to 2.
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  10. It calls the validator again.
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  11. Still blocked, with two findings, all in one answer. The quote has 2 repayment holidays taken back to back; they must not be consecutive. The quote charges 70 days of interest for early settlement; the most is 58 days.
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  12. One finding cleared; still blocked on repayment holidays back to back and early settlement interest above the cap.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the holidays back to back to no and the early-settlement interest to 58 days.
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  15. It calls the validator once more.
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  16. This time the validator clears it.
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  17. Both earlier findings are cleared, and the validator's total, £50,000, matches the quote.
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  18. Three problems caught in one call, fixed in two passes, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    19.